88 • BECKY RUBY SWANSBURG AND NEIL WILDING
Analyzing the Variables Ibfl eyso uw reenme ee md tboe rc of rnosmi d eCrhaaspwt eer eNvianleu, attheear eR ao rt he ac ocnovueprlsei oonf :v a r i a - • Your tax rates today • Your tax rates in the future • Your IRMAA fees today • Your IRMAA fees in the future • Your heirs’ tax rates in the future Of course, you may have other considerations as well. Do you pr el annt a tl op rkoepe epr twi eosr ok ri nogt hi ne r rreet ti ri reemmeennt t? sDo ou ryc oe us l hi kaev ep ei nn sc ioomn se of rr oi nm- comEaecahnonfutihtieesse? variables can influence your decision to convert. (wSoor, kaitn tghwe irt ihs ka foi nf as no uc inadl ipnrgo flei ks es i oa nbarl owk he no crae nc omr do,dbe el osuutr ae l lytohue’ sr ee det L a e il t s ’s .) look at how these core variables of tax and IRMAA c h aBnagceks tcoa nmpyo tf reinetni adl lRy yi ma np. aIcf tyao Ru ortehmc eomn vbeerrs, i oa ns . l o n g a s R y a n ’ s tbaixlleospatniodnsIR: MAA stayed the same, here were his retirement tax
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